Certificates Of Deposit

Bankrate provides comparison tools, educational content, and the latest rate news to help you find the best CD offer.

Explore CD basics

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.

Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.

A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.

Stay updated on CD rate trends

DAILY

Today's CD rate news

Explore the highest CD rates by term every weekday and learn how economic trends can affect your rate.

CDS

CD rates forecast for 2024

CD investors continue to benefit from strong yields, while inflation gradually slows. Here's what you need to know before the year ends.

CDS

Historical rate trends

Discover how CD interest rates have changed from 1984 to present and what we can learn from analyzing historical economic data.

WEEKLY

Current CD interest rates

Read up on top available rates and national average trends over time from Bankrate’s weekly survey of banks and credit unions.

Experts in all things banking

Our expert writers and editors bring you timely news and reliable information - backed by data and first-hand experience.

About Bankrate's team

Greg McBride, CFA

Chief Financial Analyst

Sarah Foster

Principal U.S. Economy Reporter

Mark Hamrick

Senior Economic Analyst

Calculate your estimated CD earnings

Enter your deposit amount along with the term and APY of the CD you are considering. See how much you could save when your CD reaches maturity.

Learn more

Latest articles

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.

A father multi-tasks with his young son.

Savers, here are strategies to invest in CDs.

Here’s everything you need to know about brokered CDs.

These seven banks and credit unions offer competitive rates on CDs for businesses.

Clocks are displayed across an image of a dollar bill.

Take a look at the days when CDs were offering investors double-digit returns.

Young couple managing finance and investment online

There’s still time to lock in a high-yielding CD as the Fed cuts rates.

Cropped shot of a businessman using his computer in his home office

Find out which CD term is best for your financial goals in a lower rate environment.

Man working on laptop and cellphone simultaneously

If you’ve been thinking of getting a longer-term CD, you may want to make a move.

Traders on the floor of the New York Stock Exchange react to news

Here’s who stands to benefit the most from plunging interest rates.

An older couple gestures to a financial contract

The economy is expected to get rougher, but there are ways to take advantage of declining rates.

Federal Reserve Eccles Building in Washington, D.C.

The fed funds rate could quickly approach zero this year, experts said.

People walk outside the New York Stock Exchange

Predictions range from cautiously optimistic to outright warnings.

Rapidly spreading coronavirus has left markets jittery

That’s led the majority of economists to say risks are tilted toward the downside.

Federal Reserve Chairman Jerome Powell speaks at Fed press conference

It’s the first emergency move since October 2008, during the Great Recession.

Fed Chairman Jerome Powell speaks at press conference

With markets swooning, all eyes are now turning to the Fed.

President Donald Trump shakes the hand of Fed Chairman Jerome Powell

The chief executive’s claims weren’t wholly correct — even if they ended up being right.

The best time to cash in savings bonds depends on an investor’s life circumstances.

Female hand inserting bank card into ATM

Unbanked households are at record low. Here are the perks of having a bank account.

Financial manager meeting with couple in bank branch office

Get the latest rates on top-yielding money market accounts.

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.

Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

Comparing savings rates can ensure you get the best return on your savings.

Female patient paying with credit card at doctor's office front desk

Here’s what you need to know about upcoming changes to Health Savings Accounts.

Illustration of worker juggling dollar bills over a background of a line signifying rising inflation

That’s even as the latest data shows that wages are rising faster than prices.

Young Woman Checking Her Finances At Home

Finding the account number on a check is easy — if you know where to look.

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